National Mediclaim Policy

National Insurance Mediclaim Policy is a traditional health insurance plan that provides comprehensive coverage to the policyholders. This plan was launched by the National Insurance Company to offer financial comfort to the insured at the time of a medical emergency. The Policy provides for Pre Hospitalisation (45 days) and Post Hospitalisation (60 days) expenses, 140+ Day Care procedures, organ donor's medical expenses, ambulance charges, Morbid Obesity treatment, correction of Refractive Error and provides for reinstatement of Basic Sum Insured (above SI of 6L), if applicable as per terms.

National Health Insurance Detailed Review

National Mediclaim Policy Specifications

To understand National Mediclaim Policy Insurance in detail, take a look at the below table:

Entry Age

3 months to 65 years

Policy Type

Individual and Family Health Insurance

Sum Insured

1 L | 3 L | 5 L | 7 L | 10 L

Initial Waiting Period*

30 Days

Renewability

Lifetime

Policy Term

1 year

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Choose Your National Mediclaim Policy

With wide coverage options available, National Mediclaim Policy Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:

In-patient & Out-patient coverage

Room Rent

Covered

ICU Charges

Covered

Pre-Hospitalization

Covered

Post-Hospitalization

Covered

Domiciliary Hospitalization

Not Covered

Daycare Treatment

Covered

OPD Charges

Not Covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Not Covered

No Claim Bonus

Covered

Automatic Restoration

Not Covered

Daily Hospital Cash

Not Covered

Organ Donor

Covered

Maternity Cover

Not Covered

New Born Baby Cover

Not Covered

Alternative Treatments

AYUSH Treatment

Covered

IVF Treatment

Not Covered

Modern Treatment

Covered

Emergency Coverage

Ambulance

Covered

Air Ambulance

Not Covered

Compassionate Travel

Not Covered

Global Coverage

Not Covered

Wellness Programmes

E-Consultation

Not Covered

Health Check-Up

Covered

Second Medical Opinion

Not Covered

Vaccination

Not Covered

Limitations

Co-payment

Covered

Sub-limits

Not Covered

Why you should buy a National Insurance Mediclaim Policy

National Insurance policies come with some amazing features. Read on to find out:

All-Inclusive Coverage:
National insurance Mediclaim policy provides comprehensive coverage for almost all expenses including room charges, costs of surgery, medication, and doctor's consultation fees.
Maternity Benefits:
The policy offers maternity benefits, covering both normal and cesarean birth, and pre and postnatal care for the mother and newborn. This gives peace of mind and financial benefits to the family.
No Claim Bonus:
According to National Insurance mediclaim policy details, If the policyholder doesn't make any claim during a policy year, he is eligible for a no-claim bonus. This bonus gets added to the sum insured amount, giving monetary benefit to the insured.
Lifelong Renewability:
National Insurance Mediclaim Policy offers lifetime renewability, This means that the customer gets policy benefits without any age restrictions.
Wide Network of Hospitals:
National Insurance has a large network of hospitals across India. The company has more than 3000 network hospitals, which enables the customer to access quality healthcare services at various locations.

National Mediclaim Policy Exclusions

Expenses related to the surgical treatment of obesity

Cosmetic or plastic surgery

Expenses of hazardous or adventure sports injury treatment

Drug/Alcohol Abuse

IVF

Maternity cover

Dental Treatment

National Mediclaim Plus Policy Benefits

Tax Benefits
Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.
Discounts
Avail 10% discount for eligible family members. Youth Discount- Avail 10% discount if the insured or spouse of the insured person is aged between 18 (eighteen) to 25 (twenty five) years. Avail 5% discount on the purchase of National Mediclaim Plus..
Health Incentives
The plan lets the policyholder earn up to 50% of their SI as Health Returns if they follow a healthy lifestyle and stay fit. Expenses of health check up shall be reimbursed.

Explore other National Health Insurance

To cater to the different medical needs of an individual & their family, National Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to National Health Insurance plans explore more:

Individual and Family Health Insurance

National Parivar Mediclaim Plus Policy

National Parivar mediclaim plus is a versatile family floater health insurance policy that comes in three different plan options that are A, B, and C....

Unique Features

Multiple Plan Options
Up to 50 L SI
Avail Maternity Cover

National Parivar Mediclaim Plus Policy (Pros)

Multiple Discount Options
Tax Benefits
Road Accident Cover

National Parivar Mediclaim Plus Policy (Cons)

Hazardous or Adventure Sports
Treatment for Alcoholism
Drug or Substance Abuse

National Parivar Mediclaim Plus Policy (Other Benefits)

Maternity Cover
Infertility Treatment
Vaccination for Children
Obesity

National Parivar Mediclaim Plus Policy (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 50 L

Individual and Family Health Insurance

National Young India Mediclaim Policy

National Young India Mediclaim Policy, an indemnity-based insurance policy is available as an individual and family floater health plan. A standard he...

Unique Features

Maternity Cover
Cataract Cover
High SI

National Young India Mediclaim Policy (Pros)

Room Rent Cover
Day Care Procedure
AYUSH Treatment

National Young India Mediclaim Policy (Cons)

Morbid Obesity Treatment
Illegal Activites
Adventure Sports

National Young India Mediclaim Policy (Other Benefits)

Cumulative Bonus
Wellness Discount
Long Term Discount

National Young India Mediclaim Policy (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 43 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 10 L

Group Health Insurance

National Insurance Group Mediclaim Policy

Buying individual health insurance may seem hectic for some of us, as the monthly premiums might be a pain for our pockets. Here comes the contributio...

Unique Features

Coverage for modern treatment
Covers HIV/AIDS treatment
Covers 140+ daycare procedures

National Insurance Group Mediclaim Policy (Pros)

140+ daycare procedure
HIV cover
Affordable premiums
AYUSH cover

National Insurance Group Mediclaim Policy (Cons)

Treatment outside India
OPD diagnostic
Adventure sport injuries
Injuries due to illegal activity

National Insurance Group Mediclaim Policy (Other Benefits)

Co-pay discounts available
PED cover
30 day pre-hospitalisation
Modern treatment

National Insurance Group Mediclaim Policy (Eligibility Criteria)

Entry age- 3 Months
Max entry age- N/A
SI- 50K to 10 L
Waiting Period- 30 days

Accident Health Insurance

National Personal Accident Policy

You can buy the National Insurance personal accident plan on an individual or family floater basis that acts as a standalone policy. This policy is de...

Unique Features

PPD/ PTD & TTD cover
Accidental death coverage
Assured death payout

National Personal Accident Policy (Pros)

100% accidental death payout
PTD benefit
PPD benefit
TTD benefit

National Personal Accident Policy (Cons)

PEDs not cover
Adventure sports not covered
Vaccination not covered

National Personal Accident Policy (Other Benefits)

Mortal remains portability
Death coverage benefits
Loss of organ cover
Educational fund

National Personal Accident Policy (Eligibility Criteria)

Entry age: 5-70 years
SI: Upto INR 10 lakh
Policy tenure: 1 year
Waiting period: None

Individual and Family Health Insurance

National Mediclaim Plus Policy

National Medicliam Plus Policy is a high sum insured policy that indemnifies for In-patient treatment expenses and 140+ Day Care Procedures/surgeries,...

Unique Features

National Mediclaim Plus features
Learn about the eligibility criteria
Exclusions & claim process

National Mediclaim Plus Policy (Pros)

12 modern treatment covered
Maternity covered
Lifelong renewability

National Mediclaim Plus Policy (Cons)

Pre-existing diseases
Treatment outside India
Adventure sports injury

National Mediclaim Plus Policy (Other Benefits)

COVID vaccination
Air ambulance
Hospital cash benefit

National Mediclaim Plus Policy (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 50 L

Individual and Family Health Insurance

National Mediclaim Policy

National Insurance Mediclaim Policy is a traditional health insurance plan that provides comprehensive coverage to the policyholders. This plan was la...

Unique Features

National Mediclaim plan features and benefits
Eligibility criteria
Easy claim process

National Mediclaim Policy (Pros)

All-Inclusive Coverage
Maternity Benefits
No Claim Bonus

National Mediclaim Policy (Cons)

Cosmetic Surgery
IVF
Dental Treatment

National Mediclaim Policy (Other Benefits)

Tax Benefits
Avail 10% Discount
Health Incentives

National Mediclaim Policy (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 10 L

Individual and Family Health Insurance

National Parivar Mediclaim Policy

National Parivar Mediclaim Policy aims to encourage the protection of the whole family on a single sum insured. This is a family floater plan that pro...

Unique Features

Explore the plan’s key features
Find out the eligibility criteria
Learn its benefits & exclusions

National Parivar Mediclaim Policy (Pros)

Infertility treatment cover
Vaccination covered
Ambulance covered
Cataract covered

National Parivar Mediclaim Policy (Cons)

Treatment outside India
OPD diagnosis
Adventure sports

National Parivar Mediclaim Policy (Other Benefits)

AYUSH cover
No co-pay
Vaccination

National Parivar Mediclaim Policy (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 10 L

Individual and Family Health Insurance

National Arogya Sanjeevani Policy

National Arogya Sanjeevani Policy is a standard indemnity health insurance product from National Health Insurance Company, having Sum Insured up to 10...

Unique Features

Understand the plan features
Learn about its eligibility criteria
Know more about its exclusions

National Arogya Sanjeevani Policy (Pros)

Online purchase dicount
EMI facility available
High SI
Affordable premium

National Arogya Sanjeevani Policy (Cons)

Treatment outside India
OPD diagnostics
Adventure sport injuries
Injury due to illegal activities

National Arogya Sanjeevani Policy (Other Benefits)

Enhanced limits for room rent
Avail online discounts
Change sum insured
Lifelong renewal

National Arogya Sanjeevani Policy (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 50 L

Critical Illness Health Insurance

National Corona Kavach Policy

The deadly virus called 'COVID-19' has proved to be an eye-opener for all of us in understanding the importance of protecting our family's health. Eve...

Unique Features

Corona Kavach features and benefits
Eligibility requirements
Buying process of the plan

National Corona Kavach Policy (Pros)

Covers spouse and children
Home care treatment
No sub-limit

National Corona Kavach Policy (Cons)

Treatment outside India
OPD diagnosis
Injury due to illegal activity

National Corona Kavach Policy (Other Benefits)

15 day pre hospitalisation
Discount available
Tax benefit

National Corona Kavach Policy (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 5 L

Top Up and Super Top Up

Super Top-up Mediclaim Policy

National Super Top Up Mediclaim Policy is a high threshold health insurance product, covering the members of a family under a single sum insured on fl...

Unique Features

Super Top-up Mediclaim features and benefits
Eligibility criteria
Modern treatment cover

Super Top-up Mediclaim Policy (Pros)

Organ donation covered
Morbid obesity treatment covered
Portability allowed
High SI

Super Top-up Mediclaim Policy (Cons)

Treatment outside India
OPD diagnosis
Adventure sport injuries

Super Top-up Mediclaim Policy (Other Benefits)

Affordable premiums
Tax benefits
HIV/AIDS cover

Super Top-up Mediclaim Policy (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 20 L

Senior Citizen Health Insurance

National Senior Citizen Policy

National Senior Citizen Mediclaim Policy is a plan especially designed and launched for senior citizens, allowing them to live a relaxed life post-re...

Unique Features

Plan options available
Domiciliary hospitalization
Modern treatments

National Senior Citizen Policy (Pros)

Reinstatement of Sum Insured
Cataract
Ambulance Cover

National Senior Citizen Policy (Cons)

Obesity
Adventure Sports
Illegal Activities

National Senior Citizen Policy (Other Benefits)

Hospital Cash
Doctor’s Home Visit
Funeral Expenses

National Senior Citizen Policy (Eligibility Criteria)

Min entry age: 60 Years
Max entry age: 80 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 10 L

National Mediclaim Policy: FAQs

1. Does the National Mediclaim Policy offer a portability feature?

As per the IRDAI guidelines, portability is allowed to/from similar products.

2. Does National Insurance offer a discount for buying a Mediclaim Policy online?

Yes, a 10% discount is available.

3. What are the co-payment options available with this plan?

The plan comes with two co-payment options. These options are: 20% Co-payment on each admissible claim under the Policy, with a 15% discount in total premium. 15% Co-payment on each admissible claim under the Policy, with a 10% discount in total premium.

4. What are the premium modes available in National Insurance Mediclaim policies?

The National Insurance Company allows the customers to pay their premiums in 2 modes that are: Cash payment at the branch or Online Payment For the online payment mode, the policyholder can pay using their Credit Card, Debit Card or Net banking service

5. I want to check the status of my National Insurance Mediclaim policy. How can I do that?

To check the status of your National Insurance Mediclaim policy, you need to visit the official website of the company and login into the portal with your valid credentials.

6. Does the National Mediclaim policy offer any free-look period?

Yes, a health insurance plan purchased through National Insurance has a 15-day free look period during which the policyholder can return it without any penalties beig charged on him.

7. Is the National Mediclaim Policy a good mediclaim policy?

National Mediclaim Policy is a good and affordable mediclaim policy which covers you and your family members in case of any medical emergency.

8. What is the entry age for the National Mediclaim Policy?

Any individual can be covered who is above 18 years of age under this policy. Children aged between 3 months to 18 years can also be included if at least one of the parents is covered under the same policy.

9. What is the maximum entry age for this policy?

The maximum entry age for National Mediclaim Policy is 65 years.

10. Can a spouse be covered under this policy?

Yes. Self, spouse, dependent children and dependent parents can be covered under this policy.

11. What is the age limit for policy renewal?

Lifelong policy renewal feature is available for National Mediclaim Policy.

12. Is obesity treatment covered under the National Mediclaim Policy?

No, this policy does not cover obesity treatments.

13. Is maternity cover available under the National Mediclaim Policy?

No, maternity cover is not available.

14. Is it possible to cancel my policy after buying it?

Yes, the National Insurance Company allows policyholders to cancel this policy by giving 15 days written notice.

National Mediclaim Policy

National Health Insurance Detailed Review

National Mediclaim Policy Specifications

Entry Age

Policy Type

Sum Insured

Initial Waiting Period*

Renewability

Policy Term

Choose Your National Mediclaim Policy

In-patient & Out-patient coverage

Coverage Terms

Alternative Treatments

Emergency Coverage

Wellness Programmes

Limitations

Why you should buy a National Insurance Mediclaim Policy

Recommended Videos

National Mediclaim Policy Exclusions

National Mediclaim Plus Policy Benefits

Tax Benefits

Discounts

Health Incentives

Explore other National Health Insurance

National Parivar Mediclaim Plus Policy (Pros)

National Parivar Mediclaim Plus Policy (Cons)

National Parivar Mediclaim Plus Policy (Other Benefits)

National Parivar Mediclaim Plus Policy (Eligibility Criteria)

National Young India Mediclaim Policy (Pros)

National Young India Mediclaim Policy (Cons)

National Young India Mediclaim Policy (Other Benefits)

National Young India Mediclaim Policy (Eligibility Criteria)

National Insurance Group Mediclaim Policy (Pros)

National Insurance Group Mediclaim Policy (Cons)

National Insurance Group Mediclaim Policy (Other Benefits)

National Insurance Group Mediclaim Policy (Eligibility Criteria)

National Personal Accident Policy (Pros)

National Personal Accident Policy (Cons)

National Personal Accident Policy (Other Benefits)

National Personal Accident Policy (Eligibility Criteria)

National Mediclaim Plus Policy (Pros)

National Mediclaim Plus Policy (Cons)

National Mediclaim Plus Policy (Other Benefits)

National Mediclaim Plus Policy (Eligibility Criteria)

National Mediclaim Policy (Pros)

National Mediclaim Policy (Cons)

National Mediclaim Policy (Other Benefits)

National Mediclaim Policy (Eligibility Criteria)

National Parivar Mediclaim Policy (Pros)

National Parivar Mediclaim Policy (Cons)

National Parivar Mediclaim Policy (Other Benefits)

National Parivar Mediclaim Policy (Eligibility Criteria)

National Arogya Sanjeevani Policy (Pros)

National Arogya Sanjeevani Policy (Cons)

National Arogya Sanjeevani Policy (Other Benefits)

National Arogya Sanjeevani Policy (Eligibility Criteria)

National Corona Kavach Policy (Pros)

National Corona Kavach Policy (Cons)

National Corona Kavach Policy (Other Benefits)

National Corona Kavach Policy (Eligibility Criteria)

Super Top-up Mediclaim Policy (Pros)

Super Top-up Mediclaim Policy (Cons)

Super Top-up Mediclaim Policy (Other Benefits)

Super Top-up Mediclaim Policy (Eligibility Criteria)

National Senior Citizen Policy (Pros)

National Senior Citizen Policy (Cons)

National Senior Citizen Policy (Other Benefits)

National Senior Citizen Policy (Eligibility Criteria)

National Mediclaim Policy: FAQs

1. Does the National Mediclaim Policy offer a portability feature?

2. Does National Insurance offer a discount for buying a Mediclaim Policy online?

3. What are the co-payment options available with this plan?

4. What are the premium modes available in National Insurance Mediclaim policies?

5. I want to check the status of my National Insurance Mediclaim policy. How can I do that?

6. Does the National Mediclaim policy offer any free-look period?

7. Is the National Mediclaim Policy a good mediclaim policy?

8. What is the entry age for the National Mediclaim Policy?

9. What is the maximum entry age for this policy?

10. Can a spouse be covered under this policy?

11. What is the age limit for policy renewal?

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